CARCHEX

When they called, I was listening what they said and they said something different from what I’ve already researched. The rep told me a little bit about the program and what’s going on with it. What he said was right from what he told me about and from my past experiences dealing with matters like this. They got a plan. He took my information and then he came back with an email the next day saying, “Hey. We’ve got this plan. Have you reviewed it?” I haven’t even had a chance to review it yet. But I reviewed it online what those different plans were so I had an idea. The rep said it would be X amount of dollars per month and that was it. It sounded like a good plan to me.

The only thing I don’t like about dealing with any type of extended warranty type plan is that there’s a certain criteria you have to follow. For instance, you have to get the vehicle checked out, keep all the records for it. But there’s still a little leeway there that they could wiggle out of it and not pay you and I’ve heard these disasters in the past. I just got my pamphlet in the mail and I read over a little bit of it. But I haven’t gone through all the legalities of what they’re talking about. The plan could be a little cheaper. But having a bumper-to-bumper type coverage is one of the most important things you can have, especially for a used vehicle.

Other than that, the first payment came out but I haven't gotten a contract. So, that's got me a little concerned. But if they're gonna play games, then I'll just cancel and go with somebody else. I also had to ask their rep at the end of my conversation with him if it was okay to cancel this contract at any time and he said I could cancel at any time. But it the salesperson didn't offer that up. I asked him straight out. All in all, it was an okay experience, though I wouldn't say it was great because they sold me the top thing without being upfront about my other options. The Titanium package was over 3,000 and that's pretty high. But the coverage is there, it is excellent, and I feel comfortable about it. The term is great as well. At the same time, I know that I overpaid for warranty and that I didn't receive all the information from CARCHEX. And I probably should have asked for that, so it was on me as a consumer.

Purchasing the policy was pretty easy. The rep was suggesting I buy the Silver Plan, instead of the Platinum or Gold plan. It was $1,000 more. I read through all the coverages and I went over it with them. I had a bunch of questions about and I verified something about the fuel pump. I asked them if it covers the two fuel pumps on the truck, and they said yes. I asked if I could get that in writing and the rep said that our conversation was recorded and that it was verified. I don’t know how long they keep those voice recordings. But it seemed like they were doing their best to try to get me a good plan.

When I read through all the benefits of the higher plan, it was kinda interesting. With the lower-priced plan, it included the injectors in the fuel system, which was part of that repair that I had to have done, whereas the higher dollar plan included pretty much everything else except the fuel injectors themselves. All modern transmissions are controlled electronically. And the higher-priced plan covered all the electronics like the navigation system, the Bluetooth stuff, and the electric switches. It covered more on the transmission. They have a $15,000 payout on it because it covered all the different suspension parts as well.

When I talked to the dealership, they said they'd be happy to get me an extended warranty and that it was gonna cost $4,000. I just about choked. Then over the summer, from between May when I first contacted them saying I wanted the extended warranty and they've given me a quote in April, they switched whoever it was who handled their long term warranties and it doubled the cost of their warranties. That doesn't help the consumer and now, I had to handle it. So, I called Kia and they told me to look up extended warranty car coverages online through Prudential and other things. Then I Googled best extended car warranties and CARCHEX was listed on two websites that seemed reasonable. I went to BBB and I checked out some of the complaints about them. I hesitated a little longer because of what I read, but I decided that I was gonna go for it anyway.

When I purchased the warranty, their customer service was good but I did not like their manager. Despite that, the guy I talked to seemed really nice. I got the feeling that he'd give me this price now but if I'd call back later, it'd be higher. But I already contacted them with the intention of purchasing it, so they didn't have to sell me on it. What they had to do was make it cost-effective with a reasonable payment plan for me to be able to afford it. Still, the rep seemed to bend over backwards to get me a deal that would work for me and I liked him.

I spoke with CARCHEX and asked them specifically about the things that were not covered in the other extended warranties, and they were covered by CARCHEX, so I went with them. Also, the sales representatives were nice, efficient, and patient with me. They called me back. They checked with me too. They were good follow-up people. They were very polite and they seemed like they knew what they were talking about. I told them my experience from CarShield and they assured me that that would not be the case with this company. The representative went above and beyond. He gave me his name and personal extension number. He said if I have any problem, I could call him directly so I don’t have to call the company. I actually have a person that I can call and talk to. So, I really appreciated that.

However, I would like to receive a policy so that I could look over it for my scrutiny. I have paid the first payment, and I have it set up to come out every month, but I don’t have a policy. I understand that there are some exclusions, but I would like to know exactly what they are. But this company has less exclusions than most. At this particular point, I’m very satisfied and I would definitely recommend them.

Once you get insurance through them, there shouldn't be any time frame on what to do with your vehicle if you're paying the money. They want you to have 1,000 miles within the first 30 days if something goes wrong. And then, if nothing don’t go wrong with your car within the first 30 days, you have to wait till 90 days to put in a complaint. Even though I don't have no complaint about my Benz that I had just bought, but still, anything could happen. But it's okay because if anything goes wrong right now, I'm good. I’m almost in New York City already.